Fund Your Next Job. Get Paid on Your Invoices Today.

Legacy 1 Funding offers invoice factoring for construction companies. Turn your unpaid invoices and applications for payment into immediate working capital to cover payroll, materials, and equipment costs.

Waiting on Progress Payments Slows Down Your Business.

You complete a stage of the project, but you wait for architects to approve pay applications and for general contractors or owners to release funds. This delay, combined with retainage being held back, creates a significant cash flow gap. It makes it difficult to order materials for the next phase, meet payroll for your crew, and bid on new projects with confidence.

Turn Your Invoices Into Immediate Cash

Submit Your Pay Application

Send us your approved application for payment for work you have completed. We work with both general contractors and subcontractors.

Get Funded Within 24 Hours

We verify the work and advance you up to 90% of the invoice amount, often on the same day. The cash goes directly into your bank account.

We Handle the Collection

Our factoring partners handle the process of collecting payment from the general contractor or property owner. Once the invoice is paid, we send you the remaining balance, minus a small fee.

This Is For Contractors and Subcontractors Who...

  • Need immediate cash for materials, payroll, or equipment rental.

  • Are tired of waiting on slow progress payments.

  • Want to bid on larger projects but lack the upfront capital.

  • Have a growing business and need reliable cash flow.

  • Are looking for a funding solution that understands the construction industry.

What You Gain with Construction Factoring

Buy Materials Upfront

Get the cash you need to order materials for the next phase of your project without waiting. Avoid project delays and take advantage of bulk discounts.

Meet Payroll with Confidence

Pay your crew on time, every time. A reliable payroll process helps you retain skilled labor and keep your projects on schedule.

Bid on More Projects

With predictable cash flow, you can confidently bid on larger and more profitable projects, knowing you have the capital to perform the work.

Get a Free, No-Obligation Factoring Quote.

Let's talk about your business and see how much working capital you can access. Our consultations are fast, confidential, and built for busy construction professionals.